Senior Full-Stack Developer Needed for AI-Powered P2P Lending Platform (React, Node.js, PostgreSQL)

We are looking for an experienced Full-Stack Developer (or a small development team) to build a modern Peer-to-Peer (P2P) Lending Platform that securely connects borrowers and lenders through an intuitive web application. The ideal candidate has experience building fintech, lending, banking, payment, or financial management platforms and understands security, scalability, and compliance best practices. This is a long-term project with multiple milestones and ongoing feature development. ## Project Scope You will be responsible for designing and developing a scalable lending platform that includes: ### Borrower Portal * User registration and authentication * Identity verification (KYC integration) * Loan application workflow * Credit profile and eligibility assessment * Document upload * Loan status tracking * EMI schedule * Payment history * Notifications and messaging ### Lender Portal * Investor registration * Portfolio dashboard * Browse available loan requests * Investment management * Expected returns calculator * Earnings and repayment tracking * Transaction history ### Admin Dashboard * User management * KYC approval workflow * Loan approval and underwriting * Risk management * Payment monitoring * Reports and analytics * CMS for announcements * Fraud monitoring * Audit logs ## Core Features * Secure Authentication * Role-based access control * KYC Verification * Loan Origination Workflow * Credit Assessment * P2P Matching Engine * Loan Marketplace * EMI Calculator * Automated Repayment Tracking * Payment Gateway Integration * Notifications (Email/SMS) * Document Management * Dashboard Analytics * Reporting * Activity Logs * API Integrations ## Nice to Have Experience with: * Fintech products * Digital lending platforms * BNPL * Credit scoring * Banking APIs * Open Banking * AML/KYC providers * Stripe, Plaid, Dwolla, Razorpay, or similar payment providers * AWS or Azure deployment * AI-based fraud detection ## Preferred Tech Stack Frontend * React.js or Next.js * TypeScript * Tailwind CSS Backend * Node.js (NestJS or Express) Database * PostgreSQL Cloud * AWS Storage * S3 Authentication * JWT / OAuth DevOps * Docker * CI/CD ## Deliverables * Responsive web application * Production-ready backend APIs * Admin dashboard * Complete source code * API documentation * Deployment * Testing * Security best practices ## Required Experience Please apply only if you have experience with: * Lending platforms * Fintech applications * Banking software * Payment systems * Financial dashboards * Secure backend architecture * Large-scale SaaS products When Applying Please include: 1. Links to similar fintech or lending projects you've built. 2. Your exact role in those projects. 3. Your preferred technology stack. 4. Team size (if you're an agency). 5. Estimated availability. 6. Any experience with KYC, AML, payment gateways, or financial compliance. We're looking for someone who can think like a product owner, write clean scalable code, and help build a secure, high-quality lending platform from the ground up.